Nail Technician Insurance That Works for Your Business
Do You Have to Be Insured to Do Nails?
Flexible Nail Tech Insurance for Independent Professionals
At Gild, we understand the precision and care that goes into your work as a nail technician, and how important it is to protect it. Our nail technician insurance is tailored for small business owners and independent pros who need dependable coverage without complexity. Whether you work in a studio or run your own space, we offer nail tech insurance that fits your setup. From liability to property protection, our plans make it simple to secure the right insurance for nail technicians. Discover nail salon insurance that’s flexible, affordable, and built to support your success.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Nail Tech Insurance Designed for the Way You Work
Your nail business is unique, and your insurance coverage should be too. Gild offers flexible nail tech insurance built for independent professionals who need coverage they can count on. Whether you are worried about accidental injuries, product reactions, or equipment damage, our tailored plans provide you with the protection you need without the hassle. With expert guidance and clear options, Gild helps you stay focused on your craft while we handle the risk.
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General Liability Insurance – Covers property damage and third-party injuries.
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Tools & Equipment Coverage – Protects against theft or damage.
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Business Interruption Insurance – Helps replace lost income if you can’t operate after a covered event.
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Professional Liability Insurance – Covers financial losses arising from claims of negligence, errors, or dissatisfaction related to a service.
Understanding Nail Tech Insurance Cost
Nail tech insurance cost can vary, but generally, Gild Insurance customers’ policy coverages start at $250 annually.
Here are a few factors that influence nail tech insurance cost:
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Location
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Size of your operation
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Revenue
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Employee count
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Equipment value
- Claims History
The best way to find your nail tech insurance cost is to get a free, online quote in minutes!
Nail Tech Insurance You Can Trust
At Gild, our agents specialize in the nail and esthetics industry1. We customize your coverage to protect your business, your team, and your clients, so you can deliver flawless services and grow your salon with confidence.
Get The Best Nail Technician Insurance Today!
Your business is more than the services you provide. It is your livelihood and a trusted part of your clients’ daily lives. With Gild, you get more than a policy. You get a partner who understands beauty businesses and provides the tools and support you need to stay steady when the unexpected happens.
1 https://www.ibisworld.com/united-states/industry/hair-nail-salons/1718/
Frequently Asked Questions
Requirements vary state by state, but insurance is often needed to rent a booth, sign a lease, or meet licensing requirements. Even if it is not required, going without insurance puts your business and reputation at risk. Gild helps nail techs protect their work with simple and reliable solutions.
Does nail tech insurance cover damage from chemical spills?
Yes—if you choose the right plan. Gild can help you find coverage that protects against:
- Accidental chemical spills
- Equipment damage
- Product-related client injuries
Gild works with nail techs to make sure you're protected from real-world risks.
What Insurance Does a Nail Tech Need?
Nail techs typically need a few types of insurance to fully protect their business:
- General Liability Insurance – Covers third-party accidents like slip-and-falls or property damage.
- Professional Liability Insurance – Protects against claims related to services, such as skin reactions or infections.
- Property Coverage – Recommended if you own your tools, furniture, or inventory.
What are the risks of not having insurance as a nail technician?
Without insurance, one mistake could jeopardize your entire business. Common risks include:
- Client injury or skin reaction
- Property damage or theft
- Legal claims or unexpected bills
Gild Insurance helps you stay protected—so you can keep working with confidence and peace of mind.
Let's Get The Right Coverage In Place Today!
Get Covered
